Citi · American Express
Macy's American Express® Card
No annual fee · 1x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Dining | 3x | uncapped |
| Department stores | 2x | uncapped |
| Gas | 2x | uncapped |
| Groceries | 2x | uncapped |
| Everything else | 1x | uncapped |
See how it ranks: best dining cards · best gas cards · best groceries cards.
Non-cash perks
- Usable anywhere American Express is accepted, unlike the Macy's store-only card
- Amex Offers access (special merchant discounts)
- Early access to Citi Entertainment presale tickets
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from Citi
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.citi.com · www.firstcard.app. Spot an error? Tell us.